"The industry remains committed to paying genuine whiplash claimants fair compensation in as short a timeframe as possible. However, for too many dishonest motorists, whiplash has become the fraud of choice, increasing motor premiums for everyone.

"The Transport Select Committee is right to identify the need to tighten up the requirements for those submitting whiplash claims. There has been a growth in recent years in claimant lawyers and claims management companies encouraging people to submit an increasing number of frivolous or exaggerated claims. Whiplash now costs UK motorists over £2 billion a year, adding £90 to the average premium.

"Following recent reforms to the civil litigation system, insurers committed to pass on cost savings to motorists. We have delivered on that commitment and average premiums have reduced by 10% in the last year.